How to...

Order Your Sterling Card Today

If you are aged 18 or over and a resident in the UK then you qualify for a Sterling Card.

100% acceptance guaranteed*

Simple online application

Use online, in stores and ATMs* wherever you see the MasterCard® acceptance mark

No credit checks

Already applied? Want to check the status of your application?
If you have already applied for your Sterling Card online, you can check the status of your application at any time using our online system, simply click here and enter the application reference number you received in your confirmation email.

Top up Your Sterling Card with Cash

You can top-up your pre-paid MasterCard® account by online banking or by visiting your local Post Office® branch. You can also go online at your convenience to download a Standing Order* or Wages Payment Form* – once you have submitted the form, regular payments could be made to your account from another bank account or your employer.

You can top-up your account between £10 and £5,000 per day. For more detailed information on Topping up your card, visit the page here.

Share Cash with Family and Friends Almost Anywhere, UK or Abroad*

The cheap and easy way to share money with friends and family abroad.

You can use Sterling pre-paid Card as a cheap and easy way to share money abroad. You can apply for up to 4 more cards on your account and send these to your family or friends back home. You top-up the account in the UK and they can then access money at any MasterCard® ATM or make purchases at retail outlets. Remember, your money is safe with your Sterling Card. Each card is Chip and PIN protected.

There is NO MONTHLY FEE FOR ADDITIONAL CARDS: Annual purchase price for additional cards is £4.95 with no additional monthly fee.

You can use each card abroad to obtain local currency through MasterCard® ATMs or to shop in store and online. The Sterling Card can be used at over 28 million locations and over 1 million ATMs worldwide, anywhere that displays the MasterCard® acceptance mark. Please note that Money Share to India is not approved under Indian legislation.

Add Creditbuilder™ to Help Rebuild Your Credit History*

Applying for Creditbuilder is easy

There is no credit check, you don’t need a bank account and you pay no additional fees.

You simply need to be able to answer YES to the following questions:

Are you currently resident in the UK?

Are you aged 18 years or older?

Are you already a Sterling Card customer?

If you answered yes to the above questions, you could start improving your credit rating with Sterling Card Creditbuilder now.

I am already a Sterling Card customer:

Not a Sterling Card customer yet?

It’s quick and easy to get your Sterling Card pre-paid MasterCard®. Apply here now, and you can have Creditbuilder added to your Sterling Card account at no extra cost.

The Creditbuilder loan is provided by APS subject to the creditbuilder Terms and Conditions. APS Consumer Credit Licence No. 0608377.

Make payments and standing orders for free*

You may only need to set up your payments and standing orders service once and, if you keep the account topped up with money, you need never miss a payment again. So you’ll avoid late fees and protect your credit history at the same time.

You can use your Sterling account to arrange up to 20 payments, transfers and standing orders per month for free. This feature’s ideal for any payment of the same amount each month, such as for satellite TV subscriptions, rent or mortgage, electricity bills and loan repayments. You can also make a one-off payment, such as for your TV Licence or paying your council tax, all in one go.

When you shop online and click the link for shops or retailers from a website, it is likely that they are getting commission for introducing you to the retailer. This does not affect the price you pay for your online shopping as the money will come out of the retailer’s marketing budget.

Online shops spend millions of pounds a year paying commissions, and websites earn millions a year in this referral commission. Instead of keeping this commission Sterling Cashback. shares a major chunk of this with you by paying you a cash back reward.

Manage Your Account Online

If you already have a Sterling Card then you can join the Members' Area.

When in the Members' Area you can do the following:

Activate your card

Check your balance

Review your statement and transaction history

Change your security details

Edit your personal details

Change your account password

Add an additional card to your account for a family member or friend, and give them access to the Members' Area

Enquire about a top-up payment

Pay in Your Wages*

It could not be easier to pay your wages into your Sterling Card account*. Simply Print a Copy of the relevant form and give it to your employer to process. You will need to provide information such as your Sterling Card number. It takes minutes to complete a form and set up the process, once complete transferring of funds to your account takes 3-5 business days.